Social Benefits 2014

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2014 SOCIAL BENEFITS FOR FILIPINO OFFICERS WORKING ON SWEDISH FLAG VESSELS

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The Swedish government. The Collective Bargaining Agreement (CBA) between the Swedish Shipowners’ (PSOR\HUV¡ $VVRFLDWLRQ 6($ WKH 0DULWLPH 2IĂ€FHUV¡ $VVRFLDWLRQ 02$ DQG WKH $VVRFLDWHG 0DULQH 2IĂ€FHUV¡ DQG 6HDPHQ¡V 8QLRQ RI WKH 3KLOLSSLQHV $02683 The HMO-agreement and the agreement about Occupational Group Life Insurance between the MOA and the SEA. The Philippine government.

+XQGUHGV RI )LOLSLQR 2IĂ€FHUV DUH VHUYLQJ RQERDUG 6ZHGLVK YHVVHOV 7KHLU ZRUNLQJ FRQGLWLRQV DUH stipulated in a special CBA between The Swedish Shipowners’ Employers’ Association (SEA), the 0DULWLPH 2IĂ€FHUV¡ $VVRFLDWLRQ 02$ DQG WKH $VVRFLDWHG 0DULQH 2IĂ€FHUV¡ DQG 6HDPHQ¡V 8QLRQ RI WKH 3KLOLSSLQHV $02683 %XW EHQHĂ€WV DUH DOVR SURYLGHG WKURXJK WKH 6ZHGLVK *RYHUQPHQW DQG also through bi-partite agreements between SEA and MOA. 6HYHUDO 2IĂ€FHUV DQG DOVR PDQQLQJ FRPSDQLHV KDYH EHHQ DVNLQJ IRU D ERRNOHW FRQWDLQLQJ DQ RYHUYLHZ RI WKH VRFLDO EHQHĂ€WV RQ 6ZHGLVK Ă DJ YHVVHOV ,W LV GLIĂ€FXOW IRU D VLQJOH )LOLSLQR 2IĂ€FHU WR XQGHUVWDQG WKH QHWZRUN RI VRFLDO EHQHĂ€WV SURYLGHG E\ GLIIHUHQW DJHQFLHV DQG LQVXUDQFH FRPSDQLHV 7KH 02$ KDV GHFLGHG WR SURGXFH WKLV ERRNOHW WR KHOS WKH )LOLSLQR 2IĂ€FHUV DQG DOVR WKH PDQQLQJ companies, to get a better view of the comprehensive Swedish social system. 7KLV ERRNOHW ZDV Ă€UVW SXEOLVKHG LQ 7KLV LV WKH WZHOIWK HGLWLRQ

7KLV ERRNOHW LV SURYLGHG E\ WKH 02$ WR KHOS )LOLSLQR 2IĂ€FHUV WR NQRZ PRUH DERXW WKHLU VRFLDO ULJKWV ZKHQ FRQWUDFWHG IRU 6ZHGLVK YHVVHOV +RZHYHU WKH SURYLVLRQV PD\ EH DPHQGHG DQG DOVR VXEMHFW WR LQWHUSUHWDWLRQ 7KH 02$ FDQ QRW EH KHOG UHVSRQVLEOH LI WKH GHFLVLRQ PDNLQJ DJHQF\ RU FRPSDQ\ PDNHV D GHFLVLRQ WKDW LV QRW FRUUHVSRQGLQJ WR WKH LQIRUPDWLRQ LQ WKH ERRNOHW

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3HQVLRQ EHQHĂ€WV IURP WKH 6ZHGLVK JRYHUQPHQW There are two main types of pension that are of LQWHUHVW IRU )LOLSLQR 2IĂ€FHUV z Income pension z Premium pension

16 of the 18,5% are for the Income pension scheme. The remaining 2,5% goes into the Premium pension scheme. Who is paying the 18,5% fee? Normally in Sweden the employer and the employee VKDUH WKH FRVW +RZHYHU IRU D )LOLSLQR 2IĂ€FHU WKHUH will be no deduction from the wages. The wage-scales show the net-wages after tax has been deducted. The ship-owner has only to report to the Swedish DXWKRULW\ WKH WRWDO LQFRPH IRU WKH )LOLSLQR 2IĂ€FHU and it will be considered that the payment has been made.

*HQHUDO FRQGLWLRQV ($51,1* 3(16,21 5,*+76 z Pensions rights can be earned from the age of 16. z There are no upper age limit for earning income and premium pension rights. z Pension rights are earned for each calendar-year when the pension saver’s income is above SEK 18,781 (year 2014). The minimum level is determined every year by the government. &/$,0,1* 3(16,21 5,*+76 z The pension(s) have to be applied for. z The pension(s) can be claimed from the age of 61. (Normally in Sweden the pensions are claimed from the age of 65.) z The income pension and the premium SHQVLRQ PD\ EH WDNHQ RXW HLWKHU VHSD rately or together. z The pension(s) is paid out monthly until the end of the pension saver’s life.

7$; Tax will be deducted from the pensions that are SDLG 7KH WD[ LQ 6ZHGHQ IRU D UHWLUHG )LOLSLQR 2IĂ€FHU is today, 25% of the pensions.*

3(16,21 )((6 The amount calculated for both the pension systems is 18,5% of a person’s income up to a ceiling. The ceiling is determined annually and is in year 2014, SEK 426,750.

,1)250$7,21 7KH )LOLSLQR 2IĂ€FHUV¡ LQFRPH GXULQJ KLV KHU VHUYLFH onboard Swedish vessels will form the basis for FDOFXODWLQJ KLV KHU SHQVLRQ Each year, pension savers will be informed of the development of their pension accounts. The information is normally sent to the pension-savers’ KRPH DGGUHVV DQG WKH Ă€JXUHV UHĂ HFW WKH VLWXDWLRQ two years earlier. The information sent out in 2014 FRQVHTXHQWO\ UHĂ HFWV WKH VLWXDWLRQ RI WKH SHQVLRQ savings up to and including 2012.

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In the Income pension scheme, pension entitlements DUH LQGH[HG DQQXDOO\ 7KLV LQGH[ ZLOO UHà HFW DYHUDJH growth in the Swedish economy. The size of the income pension will depend partly on the pension-saver’s income and partly of the development of the Swedish economy. The Income pension comes under a pay-as-you go (PAYG) system. The pension is determined in advance and increases with economic growth in society.

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In the Premium pension scheme, investments are made in funds. 7KH )LOLSLQR 2IÀFHU PD\ KLPVHOI KHUVHOI LQYHVW KLV her pension capital (the 2,5%) in any of the various funds registered with the Premium Pension AuthoULW\ 330 ,W LV SRVVLEOH WR VHOHFW XS WR ÀYH GLIIHUHQW funds at the same time and the pension-savers may VZLWFK IXQGV ZKHQHYHU WKH\ OLNH ,I WKH )LOLSLQR 2IÀFHU DEVWDLQV IURP FKRRVLQJ IXQGV IRU KLV KHU LQYHVWments, the amount will be invested in the Premium Saving Fund. The Premium Saving Fund is a professional managed ORZ ULVN IXQG The size of the Premium pension will depend partly on the pension-saver’s income and partly on the GHYHORSPHQW RI KLV KHU FKRVHQ IXQGV

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$'-8670(17 3(16,21 An adjustment pension is payable to a surviving spouse under the age of 65 who lived permanently with the deceased at the time of death. The survivor must z live permanently with a child under the age of 18 for whom one or both spouses had parental responsibility, or

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You will also be regarded as a surviving spouse if you lived permanently with an unmarried woman or man, provided you z were previously married to the deceased, or z have or have had children with the deceased, or z you were expecting a child with the deceased at the time of death. The term married also includes a registered partnership. Cohabitants other than those described here are not entitled to adjustment pension. The amount of the pension is depending of the time RI VHUYLFH IRU D 6ZHGLVK HPSOR\HU DQG LI WKH 2IĂ€FHU has been employed of a Swedish employer at least RI WKH ODWHVW \HDUV D FDOFXODWHG DPRXQW EDVHG RQ DQWLFLSDWHG WLPH RI VHUYLFH LI WKH 2IĂ€FHU KDG QRW died. 352/21*(' $'$37$7,21 $'-8670(17 3(16,21 The widow may have the right to a prolonged pension after the 12 months with adaptation pension if VKH LV WKH FDUH WDNHU DQG LV FRKDELWLQJ ZLWK D FKLOG under the age of 18. The prolonged adaptation pension is for a period of 12 months but no longer than that the youngest child has reached the age of 18. However, the pension is always paid as long as the widow is the careWDNHU RI D FKLOG XQGHU WKH DJH RI The right to prolonged adaptation pension ceases if the widow remarries or cohabit somebody she has a child together with or earlier has been married to. The amount of the prolonged adaptation pension is calculated in the same way as the adaptation pension.

&+,/'·6 3(16,21 ,I DQ 2IÀFHU GLHV ZKHQ KH KDV 6ZHGLVK HPSOR\PHQW his children under the age of 18 are entitled to a child’s pension. A prolonged child’s pension may be payable for children over the age of 18 if the child is studying; such prolonged pension remains payable until June of the year of the child’s 20th birthday. The amount of child’s pension is less than the amount of the prolonged adaptation pension but the factors the amount is based on are the same. 6859,925·6 &29(5 35(0,80 3(16,21 6&+(0(

0RQH\ LQYHVWHG IRU DQ 2IÀFHU LQ WKH 3UHPLXP SHQsion scheme can only be withdrawn in the form of

a pension. When a pension-saver dies – irrespective RI ZKHWKHU KH VKH GLHV EHIRUH RU DIWHU UHWLUHPHQW ² WKH PRQH\ UHPDLQLQJ LQ KLV KHU DFFRXQW LV WUHDWHG DV a so called survivor’s bonus to be distributed among WKH RWKHU SHQVLRQ VDYHUV 7R DYRLG WKDW WKH 2IÀFHU PD\ DW KLV KHU UHWLUHPHQW DSSO\ IRU D VXUYLYRU·V FRYHU LQ WKH 3UHPLXP SHQVLRQ V\VWHP 8QGHU WKLV RSWLRQ XSRQ WKH GHDWK RI WKH SHQVLRQ VDYHU KLV her pension is paid out in the form of a life-long survivor’s pension to the cohabitant (husband, wife or person previously married to the deceased or with whom the deceased had children).

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7+( ,1&20( 3(16,21 $1' 6859,925·6 3(16,21 $5( 0$1$*(' %< 7+( 6ZHGLVK 3HQVLRQV $JHQF\ 6( 672&.+2/0 6ZHGHQ 3KRQH 0RQ )UL )D[ ( PDLO LQWHUQDWLRQDO#SHQVLRQVP\QGLJKHWHQ VH (QJOLVK LQWHUQHW LQIRUPDWLRQ ZZZ SHQVLRQVP\QGLJKHWHQ VH LQWHUQDWLRQDO6WDUW KWPO

'(7$,/(' ,1)250$7,21 $%287 7+( 35(0,80 3(16,21 CAN BE ORDERED FROM 6ZHGLVK 3HQVLRQV $JHQF\ 6( 672&.+2/0 6ZHGHQ 3KRQH 0RQ )UL ( PDLO LQWHUQDWLRQDO#SHQVLRQVP\QGLJKHWHQ VH (QJOLVK LQWHUQHW LQIRUPDWLRQ ZZZ SHQVLRQVP\QGLJKHWHQ VH ,QWHUQDWLRQDO6WDUW KWPO &XVWRPHU 6HUYLFH LQ (QJOLVK QRRQ WR SP RQ )ULGD\V 6ZHGLVK WLPH

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3HQVLRQ EHQHĂ€WV IURP WKH &%$ 3529,'(17 )81' ,Q DGGLWLRQ WR WKH SHQVLRQ EHQHĂ€WV IURP WKH 6ZHGLVK JRYHUQPHQW WKH )LOLSLQR 2IĂ€FHU ZLOO HQMR\ EHQHĂ€WV from the Swedish Provident Fund stipulated in the CBA.

1RUPDO DYDLOPHQW GDWH IRU WKH 2IÀFHU VKDOO EH WKH ODVW GD\ RI WKH PRQWK GXULQJ ZKLFK KH VKH DWWDLQV KLV KHU ÀIW\ ÀIWK WK ELUWKGD\ (DUOLHU DYDLOPHQW date is not accepted except in case of death or disaELOLW\ RI WKH 2IÀFHU

7KH PDLQ SXUSRVH RI WKH 3URYLGHQW )XQG LV WR ÀQDQFLDOO\ VXSSRUW WKH 2IÀFHU DIWHU UHWLUHPHQW EHFDXVH of old age or disability. In the event of death payPHQW ZLOO EH PDGH WR WKH EHQHÀFLDU\

,I DQ 2IĂ€FHU OHDYHV WKH 3URYLGHQW )XQG EHIRUH WKH DJH RI KH VKH VWLOO KDV WR ZDLW XQWLO WKH DJH RI until it is possible to achieve the money from the Provident Fund.

The Swedish ship-owner is responsible for contriEXWLQJ 86' SHU PRQWK IRU HDFK )LOLSLQR 2IĂ€FHU 7KH DPRXQW JRHV WR WKH 3URYLGHQW )XQG DQG LV UHJLVWHUHG WR WKH 2IĂ€FHU 7KH )XQG LV DGPLQLVWUDWHG E\ $02683 DQG KDV D ERDUG LI WUXVWHHV FRQVLVLWLQJ of directors from the parties of the CBA. 'HWDLOHG UHJXODWLRQV FRYHULQJ WKH 2IĂ€FHU¡V EHQHĂ€WV LV VWDUWHG LQ DQ LQGLYLGXDO PHPEHUVKLS ERRN SURvided by the manning company. The contributions IURP WKH VKLS RZQHU ZLOO EH QRWHG LQ WKH ERRN 7KH 2IĂ€FHUV VKRXOG QRWH WKH IROORZLQJ UHJXODWLRQ LQ WKH 1HZ 3URYLGHQW )XQG

2/' 3529,'(17 )81' Before 1st of January 2010 contribution was given to an old Provident Fund. This Provident Fund is replaced by the present Provident Fund. The contriEXWLRQ ZDV 86' GXULQJ WKH FRQWUDFW SHULRG 7KH old Provident Fund will remain as long as there are EHQHĂ€FLDULHV RI WKH )XQG 7KHUH DUH VRPH VLJQLĂ€FDQW GLIIHUHQFHV LQ WKH UHJXlations for the New Provident Fund compared with the regulations from the former Provident Fund. 3OHDVH FRQWDFW WKH $02683 IRU GHWDLOV

6,&.1(66 +HDOWK FDUH :KLOH VHUYLQJ RQERDUG D VLFN RU LQMXUHG 2IÀFHU LV entitled to treatment at the ship-owner’s expense. ,I WKH 2IÀFHU LV VLFN RU LQMXUHG ZKHQ VLJQLQJ RII WKH YHVVHO KH VKH KDV WKH VDPH HQWLWOHPHQW IRU D PD[Lmum period of 120 days from the date of signing off. In accordance with the Philippine Overseas Employment Association’s (POEA) rules and regulations, the 2IÀFHU PXVW VXEPLW WR D SRVWHPSOR\PHQW PHGLFDO H[DPLQDWLRQ ZLWKLQ WKUHH ZRUN LQJ GD\V DIWHU KLV

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her return to the Philippines to obtain these beneÀWV ,I KH VKH VKRXOG EH XQDEOH E\ UHDVRQ RI SK\VLFDO incapacity to do so, a written notice to the Manning Agency within the same period is deemed as comSOLDQFH SURYLGHG WKH LQFDSDFLW\ LV FHUWLÀHG E\ WKH master or an authorized physician. ,Q WKH HYHQW RI VLFNQHVV RU LQMXU\ QHFHVVLWDWLQJ VLJQLQJ RII WKH 2IÀFHU LV HQWLWOHG WR WUDYHO WR 0DQLOD DW the ship-owner’s expense.

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According to a special CBA between the SEA and the MOA, the shipowner is obliged to provide all )LOLSLQR 2IÀFHUV DQG WKHLU GHSHQGDQWV ZLWK KHDOWK FDUH EHQHÀWV

EHQHÀWV SODQKROGHUV DUH UHTXLUHG WR ÀOH IRU 3KLO Health (Medicare) covered services prior to discharge from the hospital.

'HWDLOHG LQIRUPDWLRQ DERXW WKH EHQHÀWV LV SURYLGHG 7KH LQVXUDQFH FRYHUV WKH 2IÀFHU IRU GD\V DIWHU E\ WKH 2IÀFHU·V 0DQQLQJ $JHQF\ LQ 0DQLOD ZKLFK DOVR PDNHV DOO QHFHVVDU\ DUUDQJHPHQWV WR KDYH D signing off a vessel and the dependants when the 2IÀFHU LV VLJQHG RQ D YHVVHO DQG GD\V WKHUH DIWHU +HDOWK &DUG LVVXHG IRU WKH 2IÀFHU DQG KLV KHU GHpendants. 'HSHQGDQWV DUH ZLIH KXVEDQG DQG XS WR IRXU FKLOGren (below the age of 21). If there are more than 9$&&,1$7,21 352*5$0 four children under the age of 21, the four oldest All members of the HMO-program are entitled to DUH FRYHUHG +RZHYHU WKH 2IÀFHU KDV WKH ULJKW WR be vaccinated against pneumonia. include all his children at his own expense. )RU DQ XQPDUULHG 2IÀFHU KLV KHU SDUHQWV EHORZ WKH age of 65 are covered.

Contact your manning company for furhter information.

,I WKH 2IÀFHU GRHV QRW KDYH DQ\ SDUHQWV DOLYH RU XQGHU WKH DJH RI KLV KHU XQPDUULHG DQG XQHPployed siblings under the age of 21 are covered.

'$,/< +263,7$/ ,1&20( %(1(),7 All members of the HMO-program are after three GD\V FRQÀQHPHQW LQ KRVSLWDO HQWLWOHG WR DQ DOORZDQFH RI 3+3 SHU GD\ RI FRQÀQHPHQW WKHUHDIWHU

,I WKH 2IÀFHU KDV RQO\ RQH SDUHQW DOLYH RU XQGHU WKH DJH RI KLV KHU ROGHVW XQPDUULHG DQG XQHPSOR\HG )$0,/< 0(',&$/ $1' '(17$/ 3/$1 sibling under the age of 21 is covered. )0'3

$FFRUGLQJ WR WKH &%$ $UWLFOH WKH 2IÀFHU DQG KLV immediate dependents shall be entitled to medical 7KH 2IÀFHU DQG KLV KHU GHSHQGDQWV DUH HQWLWOHG WR D 5HJXODU 3ULYDWH 5RRP +RVSLWDOL]DWLRQ %HQHÀW DQG WUHDWPHQW SURYLGHG E\ WKH $02683 )DPLO\ 0HGLFDO KHDOWK FDUH HTXLYDOHQW WR 3+3 SHU VLFNQHVV and Dental Plan (FMDP). per year. 6HUYLFHV DQG IDFLOLWLHV DFFRUGLQJ WR $SSHQGL[ 1R The insurance-plan is integrated with Phil Health of the CBA.

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$FFRUGLQJ WR WKH &%$ WKH 2IÀFHU LV HQWLWOHG WR VLFN pay (at the same rate as basic wage) for up to 120 GD\V DIWHU VLJQLQJ RII SURYLGHG WKH VLFNQHVV RU LQMXU\ LV YHULÀHG E\ D ZULWWHQ VWDWHPHQW IURP DQ DXWKRULzed physician. 7KH VKLS RZQHU LV OLDEOH WR SD\ VLFN SD\ RQ WKH VDPH conditions as was mentioned above. 7KH 2IÀFHU PXVW ZLWKLQ WKUHH ZRUNLQJ GD\V UHSRUW WR WKH GHVLJQDWHG SK\VLFLDQ RU LI KH VKH E\ UHDVRQ RI LQFDSDFLW\ FDQQRW GR WKLV FHUWLI\ KLV KHU

incapacity by the help of the master or an authorized physician. :KHQ WKH VKLS RZQHU SURYLGHV VLFN SD\ WKH VKLS RZQHU KDV WKH ULJKW WR GHGXFW IURP WKH 2IÀFHU·V ZDJHV DQ\ VLFNQHVV DOORZDQFH SDLG RXW IURP LQVXrance provided for and paid by the ship-owner. $Q 2IÀFHU ZKR LV VLJQHG RII EHFDXVH RI VLFNQHVV or injury must return to the Philippines within the usual period of travel from the date and place of GLVHPEDUNDWLRQ LQGLFDWHG LQ KRPHZDUG ERXQG WLFNHW

6LFN SD\ IURP WKH 6ZHGLVK *RYHUQPHQW $ )LOLSLQR 2IÀFHU ZRUNLQJ RQERDUG D 6ZHGLVK YHVVHO (converted to SEK) in Appendix no 1 to the CBA VHQG D PHGLFDO UHSRUW WR WKH 6ZHGLVK 6RFLDO is covered by governmental social insurance. Insurance Agency. The medical report shall be signed The social insurance is administrated by the Swedish E\ D SK\VLFLDQ DQG VKRZ WKDW WKH 2IÀFHU LV XQDEOH WR ZRUN 7KH PHGLFDO UHSRUW VKDOO VWDWH Social Insurance Agency, Marine Department. z ZK\ WKH 2IÀFHU FDQQRW ZRUN LQ JHQH :KHQ ZRUNLQJ DW VHD WKH ÀUVW GD\V RI LOOQHVV UDO QRW RQO\ DV DQ 2IÀFHU DW VHD

are paid by the ship-owner as explained above. After z IRU KRZ ORQJ WKH 2IÀFHU LV XQDEOH WR WKLV SHULRG WKH UHVSRQVLELOLW\ IRU WKH VLFN SD\ PD\ EH ZRUN transferred to the Swedish Social Insurance Agency. z KRZ WKH VLFNQHVV LQMXU\ OLPLWV WKH 7KH VLFNQHVV GRHV QRW UHTXLUH WR EH ZRUN UHODWHG 2IÀFHU·V DELOLW\ WR ZRUN ,I WKH 2IÀFHU LV QRW UHSRUWHG WR WKH 6ZHGLVK 8QHP- z ZK\ WKH 2IÀFHU LV QRW SDUWLDOO\ DEOH WR ployment Agency or an equivalent agency abroad ZRUN there may be a qualifying period of 14 days. It is always the Swedish Social Insurance Agency that 7KH VLFN SD\ IURP WKH 6ZHGLVK 6RFLDO ,QVXUDQFH GHWHUPLQHV LI WKH VLFNQHVV LV VHULRXV HQRXJK WR PDNH $JHQF\ LV RI RI WKH VDODU\ WKH 2IÀFHU WKH 2IÀFHU XQDEOH WR ZRUN ZRXOG KDYH EHHQ HDUQLQJ LI KH VKH ZDV QRW LOO +RZHver, there is a limit in the insurance and the maxiThe decision of the Swedish Social Insurance Agency PXP DPRXQW WKH 2IÀFHU FDQ DFKLHYH LV 6(. D can be appealed to a higher court. GD\ LQFRPH WD[ ZLOO EH GHGXFWHG IURP WKH VLFN pay*. To notify the Swedish Social Insurance Agency you need to contact the Swedish Social Insurance Agen,I WKH 2IÀFHU JHWV VLFN KH VKH VKDOO LPPHGLD cy by phone, in writing or by e-mail. WHO\ 1) notify the Swedish Social Insurance Agency about 5(+$%,/,7$7,21 the illness ,I WKH 2IÀFHU KDV VXIIHUHG DQ LOOQHVV RU LQMXU\ PDNLQJ 2) inform the Swedish Social Insurance Agency LW GLIÀFXOW IRU WKH 2IÀFHU WR UHWXUQ WR ZRUN WKH 2Iabout present monthly salary. The appropriate salary ÀFHU PD\ UHFHLYH DVVLVWDQFH WRZDUGV KLV KHU UHKDELto report is the total monthly consolidated wage litation. However, the assistance to employees not

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living in Sweden is a legal right that may be questioned by the Swedish Social Insurance Agency, as the application of the legislation is not clear. It is advisable to contact the MOA if the response from the Swedish Social Insurance Agency is not favourable.

DPRXQW RI WKH SHQVLRQ WR ZKLFK WKH 2IĂ€FHU LV HQWLWOHG Also costs related to the injury may be covered by the Swedish Social Insurance Agency, but all claimed FRVWV PXVW EH YHULĂ€HG E\ LQYRLFHV DQG RU UHFHLSWV LQ the original (no photocopies).

,1-85(' $7 :25. ,I WKH 2IĂ€FHU LV LQMXUHG DW ZRUN KH VKH PD\ TXDOLI\ for compensation under the public occupational health scheme, handled by the Swedish Social Insurance Agency. The insurance also covers such ocFXSDWLRQDO GLVHDVHV DV VNLQ FRQGLWLRQV EURXJKW RQ E\ FRQWDFW ZLWK FKHPLFDOV RU EDFN WURXEOH FDXVHG E\ XQVXLWDEOH ZRUN SRVWXUHV

'(3(1'$176 ,I WKH 2IĂ€FHU GLHV DV D UHVXOW RI DQ RFFXSDWLRQDO LQMXU\ KLV KHU VXUYLYLQJ VSRXVH DQG FKLOGUHQ XS WR the age of 18 may be entitled to an annuity. Also in WKLV FDVH WKH DPRXQW LV EDVHG RQ WKH 2IĂ€FHU¡V HDUQHG LQFRPH DQG WKH SHQVLRQ WR ZKLFK WKH 2IĂ€FHU was entitled.

,I WKH 2IĂ€FHU LV LQMXUHG DW ZRUN WKH 2IĂ€FHU shall notify the ship-owner or the master without delay. 7KH VKLS RZQHU PDVWHU LV REOLJHG WR UHSRUW WKH injury to the Swedish Social Insurance Agency and to the MOA. ,I WKH 2IĂ€FHU LV LQMXUHG DQG FDQ QR ORQJHU ZRUN RU following an injury, are receiving less earned income WKDQ SUHYLRXVO\ WKH 2IĂ€FHU PD\ TXDOLI\ IRU DQ DQQXLW\ SD\DEOH LQ FRPSHQVDWLRQ IRU WKH LQFRPH KH she has lost as a result of the injury. The size of the annuity will depend both on the DPRXQW RI WKH 2IĂ€FHU¡V HDUQHG LQFRPH DQG WKH

1RWH WKDW DOO GHFLVLRQV E\ WKH 6ZHGLVK 6RFLDO ,QVXUDQFH $JHQF\ DUH PDGH RQ D FDVH E\ FDVH EDVLV ,Q FDVHV ZKHUH WKH HPSOR\HH LV OLYLQJ RXWVLGH 6ZHGHQ DUH DOZD\V FRPSOLFDWHG 7KH UHJXODWLRQV IRU QRQ GRPLFLOHG HPSOR\HHV RQ 6ZHGLVK Ă DJ YHVVHOV DUH QRW IXOO\ VHWWOHG LQ KLJ KHU FRXUWV DQG LI WKH GHFLVLRQ IURP WKH 6ZHGLVK 6RFLDO ,QVXUDQFH $JHQF\ LV QHJD WLYH LW LV DGYLVDEOH WR DVN WKH 0DULWLPH 2IĂ€FHUV¡ $VVRFLDWLRQ IRU KHOS WR PDNH DQ DSSHDO WR KLJKHU D FRXUW

7+( $''5(66 72 7+( 6:(',6+ 62&,$/ ,1685$1&( $*(1&< ,6 Swedish Social Insurance Agency 0DULQH 'HSDUWPHQW %R[ 6( *27+(1%85* 6ZHGHQ 3KRQH )D[ ( PDLO VMRIDUWVNRQWRUHW#IRUVDNULQJVNDVVDQ VH (QJOLVK LQWHUQHW LQIRUPDWLRQ ZZZ IRUVDNULQJVNDVVDQ VH VSUDN HQJ

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',6$%,/,7< 3(16,21 )URP WKH 6ZHGLVK JRYHUQPHQW ,I WKH 2IĂ€FHU KDV DQ LOOQHVV RU GLVDELOLW\ DQG LV QRW VXSSRVHG WR EH DEOH WR ZRUN DJDLQ WKH 2IĂ€FHU PD\ be eligible for a disability pension. 7KH 2IĂ€FHU¡V DELOLW\ WR ZRUN PXVW KDYH EHHQ UHduced by at least one quarter. Disability pension is SD\DEOH EHWZHHQ WKH DJHV RI DQG 7KH 2IĂ€FHU

may draw full, three-quarter, one-half or one-quarter disability pension. The illness or disability does not QHHG WR EH ZRUN UHODWHG DQG PD\ KDYH KDSSHQHG XS to one year after signing off. All matters regarding disability pension are handled by the Swedish Social Insurance Agency.

%HQHÀWV LQ WKH &%$ ,I WKH 2IÀFHU GXH WR QR IDXOW RI KLV RZQ VXIIHUV injury as a result of an accident while serving onboard or while travelling to or from the vessel on Company’s business or due to marine peril, and as a UHVXOW KLV KHU DELOLW\ WR ZRUN LV UHGXFHG WKH &RP-

SDQ\ VKDOO SD\ KLP KHU GLVDELOLW\ FRPSHQVDWLRQ ZKLFK includes the amounts stipulated by the POEA’s rules DQG UHJXODWLRQV XS WR PD[LPXP 86' 6HH $UWLFOH LQ WKH &%$

7$; $OO EHQHĂ€WV LQ FDVK IURP WKH SXEOLF VRFLDO VHFXULW\ DUH WD[DEOH )RU 2IĂ€FHUV OLYLQJ LQ WKH 3KLOLSSLQHV UHFHLYLQJ EHQHĂ€WV IURP WKH 1DWLRQDO 6HFXULW\ 6FKHPH WKH WD[ LV IRU EHQHĂ€WV DERYH +RZHYHU D VPDOO

10

amount (approximately) SEK 2,500 per month may be free from tax. The tax-free amount is determined from year to year depending on changes of the base amount in Sweden.

/,)( ,1685$1&(6 3 , ,QVXUDQFHV ,Q WKH HYHQW RI GHDWK RI DQ 2IÀFHU ZKLOH VHUYLQJ on board, or while travelling to or from the vessel, on Company’s business, or due to marine peril, the &RPSDQ\ ZLOO SD\ WR KLV KHU EHQHÀFLDULHV FRPSHQVDtion which includes the compensation provided by the POEA’s rules and regulations Part II, Section C,

SUHVHQWO\ 86' The Company shall also pay an additional compensaWLRQ WR HDFK RI WKH 2IĂ€FHU¡V FKLOGUHQ XQGHU WKH DJH RI RI 86' PD[LPXP FKLOGUHQ DQG 86' 60,000. See CBA Article 18 for more details.

7KH 2FFXSDWLRQDO *URXS /LIH ,QVXUDQFH 7*/

According to a special CBA between the Swedish Shipowners’ Employers’ Association (SEA) and the 0DULWLPH 2IĂ€FHUV¡ $VVRFLDWLRQ 02$ WKH VKLS RZQHU LV REOLJHG WR FRYHU DOO )LOLSLQR 2IĂ€FHUV RQ Swedish vessels with the TGL-insurance. The TGL is a capital insurance, which provides survivors with a lump sum. The TGL provides for a primary amount and a child supplement. The maximum primary amount, is 6,0 price base amount (in 2014, SEK 266,500). The amount is reduced if the deceased was aged 55 or over. The maximum child supplement is 2,0 price base amount (in 2014, SEK 88,800) per child. No Swedish tax is GHGXFWHG IURP WKRVH EHQHĂ€WV The TGL is valid from the day of signing on and until three months after signing off. The TGL is not valid before the age of 18.

FLDU\ FODXVH ZLOO EH TXLWH VXIĂ€FLHQW +RZHYHU WKH LQVXUHG 2IĂ€FHU PD\ GHVLJQDWH RWKHU EHQHĂ€FLDULHV LI KH VKH ZRXOG ZLVK VR 7KLV PD\ EH RI SDUWLFXODU LQWHUHVW IRU DQ 2IĂ€FHU ZKR LV VLQJOH DQG ZKR PD\ ZLVK WR QDPH D FHUWDLQ SHUVRQ DV EHQHĂ€FLDU\ Also persons who co-habit without being legally married should consider this question, since the geQHUDO EHQHĂ€FLDU\ FODXVH UHIHUULQJ WR D VSRXVH LV QRW valid in the case of those who are not legally married. If, at a later time, the family conditions change, it may be necessary to alter the designation.

%(1(),&,$5,(6 $FFRUGLQJ WR WKH JHQHUDO EHQHĂ€FLDU\ FODXVH WKH EHQHĂ€FLDULHV WR WKH SULPDU\ DPRXQW DUH LQ WKH IROORZLQJ RUGHU 1. Spouse 2. Children (grandchildren) 3DUHQWV RU LI RQH RI WKHP LV GHFHDVHG WKH VXUYLving parent.

&+,/' 6833/(0(17 Surviving children, before the age of 17, will have the full child supplement amount as mentioned above. Surviving children between the age of 17 and 20 will have a reduced amount.

,I DW WKH WLPH RI GHDWK RI WKH 2IĂ€FHU QR VXFK EHQHĂ€FLDU\ H[LVWV DQ DPRXQW FRUUHVSRQGLQJ WR SULFH base amount (in 2014, SEK 22,200) will be paid to off set the funeral expenses. NB! 2WKHU EHQHĂ€FLDULHV PD\ EH UHJLVWHUHG )RU PRVW SHRSOH ZLWK D IDPLO\ WKH JHQHUDO EHQHĂ€-

7R FKDQJH WKH JHQHUDO EHQHĂ€FLDU\ FODXVH WKH 2IĂ€FHU has to notify the insurance company in writing. Special forms for this will be provided by the manning company. Also note that provisions in a will or any VLPLODU GRFXPHQW DUH QRW VXIĂ€FLHQW

63286( ,1685$1&( ,I WKH 2IĂ€FHU¡V VSRXVH RU SHUVRQ ZLWK ZKRP WKH 2IĂ€FHU SHUPDQHQWO\ FR KDELWV VKRXOG GLH DQG WKHUH are common children under the age of 17, and full TGL amounts are payable, an amount corresponding to 0,5 price base amount (in 2014, SEK 22,200) will EH SDLG WR WKH 2IĂ€FHU DQG DQ DPRXQW FRUUHVSRQGLQJ to 1,0 price base amount (in 2014, SEK 44,400) for each such child. Payment will only be effected if the deceased was not covered by any TGL-insurance of KLV KHU RZQ

11

7+( 3+,/,33,1( 62&,$/ 6(&85,7< 6<67(0 7KH )LOLSLQR 2IÀFHU LV DOVR FRYHUHG E\ WKH 3KLOLSSLQH PLVVLRQ 2IÀFHV $UWLFOH LQ WKH &%$ 1RWH WKDW Social Security System and Phil Health’s National the HMO-Insurance is integrated with Phil Health. Health Insurance Program. The premium should be SDLG SDUWO\ E\ WKH 2IÀFHU DQG SDUWO\ E\ WKH VKLS owner as provided by the government regulations.

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7KH FRQWULEXWLRQV IURP WKH 2IÀFHU VKRXOG EH GHGXFWHG IURP KLV KHU VDODU\ DQG UHPLWWHG E\ WKH ship-owner to the Philippine Social Security System and Phil Health National Insurance Program Com-

7KH )LOLSLQR 2IÀFHU WDNHV SDUW RI WKH 3KLOLSSLQH PAG-IBIG Program to assure a decent standard of living with security of the basic needs in life such as shelter.

86()8/ $''5(66(6 6-g%()b/6)g5(1,1*(1 6%) 0$5,7,0( 2)),&(56· $662&,$7,21 02$

%R[ 6( 672&.+2/0 6ZHGHQ 3KRQH )D[ ( PDLO VEI#OHGDUQD VH ,QWHUQHW ZZZ VMREHIDOVIRUHQLQJHQ VH 6-g)$57(16 $5%(76*,9$5()g5%81' 6$5) 7+( 6:(',6+ 6+,32:1(56· (03/2<(56· $662&,$7,21 6($

%R[ 6( *27+(1%85* 6ZHGHQ 3KRQH )D[ ( PDLO LQIR#WUDQVSRUWJUXSSHQ VH ,QWHUQHW ZZZ WUDQVSRUWJUXSSHQ VH 7+( $662&,$7(' 0$5,1( 2)),&(56· $1' 6($0(1·6 81,21 2) 7+( 3+,/,33,1(6 $02683

6HDPHQ·V &HQWHU FRUQHU &DELOGR 6WD 3RWHQFLDQD 6WV ,QWUDPXURV 0$1,/$ 7KH 3KLOLSSLQHV 3KRQH WR )D[ ( PDLO 3URYLGHQW )XQG SURYIXQG#DPRVXS RUJ ,QWHUQHW ZZZ DPRVXS RUJ SURYLGHQW KWPO

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